Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Category: Misinformation About Structured Settlements

Why Are JG Wentworth, Annuity.Org and Novation Settlement Such Misleading Boneheads?

October 6, 2019

Relying on structured settlement buyers like JG Wentworth, Novation Funding and CBC Settlement Funding/Annuity.org for accurate information about structured settlements is not recommended and could be to your detrimental to your financial health. Learn more.
Why CBC Settlement Funding Can’t Be Trusted With Your Child’s Structured Settlement

July 22, 2019

Clueless baloney from Conshohocken, It’s bad enough that CBC Settlement Funding “went in for the kill” on a vulnerable young adult NJ resident one year after its first attempt to nab his structured settlement was rejected. Now this shocking lack of nous from CBC Settlement Funding,
Structuredsettlements.com Unreliable and Illiterate on Tax Status of Structured Settlements

July 14, 2019

On August 21, 1996, Bill Clinton signed the Small Business Job Protection Act of 1996. It changed the exclusion from gross income of damages received on account of personal injury or sickness to apply only to damages which are received on account of a physical injury or physical sickness
Six Ways AdvisoryHQ is a Fail On Structured Settlement Annuity Companies

July 8, 2019

AdvisoryHQ really sucks at a high professional level, when it comes to structured settlements. Here are six ways AdvisoryHQ is unreliable on the subject of structured settlement annuity companies
Structured Settlement Buyer Sends Mailer To Annuitant Lying That Insurer Going Out of Business

July 6, 2019

Warning to all people holding structured settlement annuities. Beware of predators offering cash now with claims your company is going out of business! It’s a structured settlement buyer scam designed to get you to part with your money for pennies on the dollar.
CBC Settlement Funding Flunks Structured Settlements 101 | A Blight on the Information Highway

March 10, 2019

CBC Settlement Funding struggles to grasp the basics of structured settlement taxation. They consistently settle for mediocrity, both internally and with partners like Annuity.org, which appears to disregard its own stated standards, potentially harming structured settlement consumers.
Factoring Companies Are Not Structured Settlement Companies | “They Be Creeping” on Them

March 4, 2019

A whole lot of festering bullship is swirling around the Internet. Devious attempts abound, by factoring companies that buy structured settlement payment rights, whose highest value proposition is a money loser to the consumer, to position themselves as structured settlement companies.
CBC Settlement Funding Misrepresents Its Business to the Better Business Bureau and BBB Consumers

January 18, 2019

Is CBC Settlement Funding trying to scam consumers into thinking they buy structured settlement annuities? CBC Settlement Funding is challenged to provide evidence of a single structured settlement annuity they have purchased. I’ll bet they can’t
Consumer Affairs Misleads Consumers About Rapid Capital Funding

September 30, 2018

Consumer Affairs claims that Rapid Capital Funding “can assist you in renegotiating your settlement”. Consumer Affairs is dishing a heaping helping of Bollocks Bolognese. You can’t renegotiate your settlement after a settlement agreement and release has been signed.
Who Owns a Structured Settlement Annuity?

September 7, 2018

A structured settlement annuity is owned by qualified assignment companiy, not payees of the structured settlement. A settlement agreement creating the structured settlement, states that the assignment company has all rights of ownership of the annuity. Payee owns the right to receive payments.

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Category: Misinformation About Structured Settlements